All active, bridging, and retiree participants are eligible for the prescription drug benefit.
Your medical card will serve as your drug card.
For outpatient prescription drugs received outside the United States and inpatient drugs received anywhere, claims are reimbursed by Cigna and treated the same as any other Plan expense. Submit your prescription drug claim electronically from your Cigna personal webpage account. For information on submitting prescription drug claims to Cigna, please refer to How to File a Claim.
| Plan Features | Care Received Outside the U.S. | Care Received within the U.S. – Cigna Open Access Plan | |
|---|---|---|---|
| In-Network | Out-of-Network | ||
| You pay: | You pay: | You pay: | |
| Prescription Drugs: Retail (up to a 30-day supply) | |||
| Tier 1 (Generic) | 10% | $0 | Pay the full amount first. You may be reimbursed up to 50% of the cost. |
| Tier 2 (Preferred Brand) | $25 | ||
| Tier 3 (Non-Preferred Brand) | $80 | ||
The following table provides the basic design of drug costs when purchasing at a retail pharmacy.
For prescription drugs purchased in the United States, you must use a pharmacy in Cigna’s network of U.S. pharmacies. Most major pharmacies are in Cigna’s network. You are limited to a 30-day drug supply from the retail network pharmacy. For a 90-day supply, you will need to order prescription drugs from a mail order service program. Please note that prescriptions cannot be mailed to an address outside the United States, and AIARC cannot act as the recipient of mail order drugs.
Always present your Cigna insurance card to the pharmacy when obtaining your prescription drugs in the United States. The insurance card contains important information such as RXGRP NRBA, RX issuer (80840), Rx Bin 017010, and RX PCN 0216INTL that the pharmacy will use to fill a prescription, access your benefits and process your claims in the U.S.
Please note that if you do not use your card at the time of purchase, you will only be reimbursed for up to 50% of the retail price. You must pay your copay when obtaining your prescription. After you pay the applicable copay, Cigna will cover 100% of the drug costs. Your copays do not count toward the Plan’s Annual Deductible, Coinsurance, and Out-of-Pocket Maximums (OOPM).
Refer to the table in the U.S. Mail Order section below for the required copays for prescription drugs.
If you are in the United States, you are limited to a 30-day drug supply from your retail pharmacy. You are able to refill up to a 90-day drug supply of your medication using the Cigna Home Delivery Pharmacy – Express Scripts. Please note that this home delivery program will not mail drugs to an address outside of the United States.
To search for a specific drug and its tier category (i.e., generic, preferred, or non-preferred brand), go to Cigna’s prescription drug list Cigna’s prescription drug list and select “Legacy 3 Tier” from the drug list drop-down menu.
The following chart describes the cost of drugs when orders are received by mail versus purchases made at the pharmacy.
| Plan Features in the U.S. | Cigna Open Access Plan (OAP) | |
|---|---|---|
| In-Network | Out-of-Network | |
| Prescription Drugs: Retail (up to a 30-day supply) | ||
| Tier 1* (Generic) | $0 copay | Reimbursed up to 50% of retail price coverage |
| Tier 2** (Preferred Brand) | $25 copay | Same as above |
| Tier 3*** (Non-Preferred Brand) | $80 copay | Same as above |
| Prescription Drugs: Mail Order (up to a 90-day supply) | ||
| Tier 1* (Generic) | $0 copay | No coverage |
| Tier 2** (Preferred Brand) | $50 copay | No coverage |
| Tier 3*** (Non-Preferred Brand) | $160 copay | No coverage |
*Tier 1 — Generic is equivalent to brand-name drugs that can be purchased at discount.
**Tier 2 — Brand-name drugs that can be purchased at discount.
***Tier 3 — Brand-name drugs that are not discounted by drug manufacturer.
This section provides you with answers to the most frequently asked questions about the Prescription Drug Plan.
No. After you pay the applicable copay, Cigna will cover 100% of the drug costs. Your copays do not count toward the Plan’s annual deductible, coinsurance, or out-of-pocket maximum (OOPM).
You can search for a specific drug and its tier category (i.e., generic, preferred, or non-preferred brand) using Cigna’s prescription drug list and select “Legacy 3 Tier” from the drug list drop-down menu.
To receive discounted prices, you must use your Cigna card, which contains the information (RX bin, issuer, PCN and reference number) required by U.S. pharmacies.
No. Drugs cannot be mailed to an address outside of the United States, and AIARC cannot act as the recipient of mail order drugs.
For All Inquiries
AIARC reserves the right to modify or terminate any of the benefits described at any time for any reason. Please note that AIARC is not your employer and nothing contained in this website should be construed to create an employer-employee relationship. Your Center is your employer.
AIARC
901 N. Washington St., Suite 706
Alexandria, VA 22314-1535
United States
Phone +1-703-548-4540
Fax +1-703-548-5960
Office hours are from 8:30 a.m. to 5:30 p.m. (0830 to 1730 U.S. Eastern Time), Monday through Friday
If you have questions about your benefits, please contact the AIARC Coordinator for your Center by visiting www.AIARC.org.
